Onondaga County and Clay Town property record for 4443 Millstream Dr, Clay, NY 13041
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,646 sqft · built 2010 |
| Lot Size | 0.463 acres (20,198 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $405,000 (May 2022) |
| Tax Bill | $12,489 (2025) |
| Deeds & Mortgages | Aug 2019 Refinance Aug 2012 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 312489 070.-02-04.0 |
| Primary APN | 312489 070.-02-04.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,646 sqft Living Area |
| 1st Floor Area | 1,412 sqft |
| 2nd Floor Area | 1,234 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,198 sqft (0.463 acres) |
| Lot Dimensions | 254 ft deep x 79.3 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4443 MILLSTREAM DR |
|---|---|
| City | CLAY |
| State | NY |
| Zip | 13041-2550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 06 - INDUS |
| Legal Block | 2 |
| Legal Lot Number | 4.000 |
| Jurisdiction | ONONDAGA NY |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 11232 |
4443 Millstream Dr is owned and occupied by two individuals who bought it in May 2022.
Source: Onondaga County and Clay Town records, as of May 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4443 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 13, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance EMPOWER FCU |
| Aug 24, 2012 | Deed of Trust, Mortgage QUICKEN LOANS INC |
| May 25, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage PATHFINDER BANK |
| Jun 11, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage NBKC BANK |
| Aug 28, 2015 | Deed, Transfer · VA Mortgage USAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2022 · Amount on File |
| Deed Sale | May 25, 2022 · Amount on File |
| Prior Sale | Jun 11, 2021 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONONDAGA NY |
| Property Address | 4443 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 19000029527 |
|---|---|
| Date | Aug 13, 2019 |
| Instrument | 190-00029527 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Sep 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONONDAGA NY |
| Property Address | 4443 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000016908/0000000030 |
|---|---|
| Date | Aug 24, 2012 |
| Book Page | 0000016908/0000000030 |
| Instrument | 0000035339 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 341 Months |
| Due | Jan 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONONDAGA NY |
| Recording Date | May 25, 2022 |
| Property Address | 4443 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Document Number | 2022000021055 |
| Instrument Date | May 20, 2022 |
| Instrument | 20220-00021055 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7300 CEDAR POST RD, LIVERPOOL, NY 13088-4815 |
| Document Number | 22000021056 |
|---|---|
| Date | May 25, 2022 |
| Instrument | 220-00021056 |
| Name | PATHFINDER BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONONDAGA NY |
| Recording Date | Jun 11, 2021 |
| Property Address | 4443 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Document Number | 2021000026709 |
| Instrument Date | Jun 8, 2021 |
| Instrument | 20210-00026709 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4443 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Document Number | 2021000026710 |
|---|---|
| Date | Jun 11, 2021 |
| Instrument | 20210-00026710 |
| Name | NBKC BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ONONDAGA NY |
| Recording Date | Aug 28, 2015 |
| Property Address | 4443 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Document Number | 0000005338/0000000482 |
| Book / Page | 0000005338 / 0000000482 |
| Instrument Date | Aug 27, 2015 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2024 |
| Title Company | ANTHONY C. LAVALLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4443 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Document Number | 0000017830/0000000358 |
|---|---|
| Date | Aug 28, 2015 |
| Book Page | 0000017830/0000000358 |
| Instrument | 0000030085 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 89 Months |
| Due | Jan 1, 2023 |
The 2025 property tax bill for 4443 Millstream Dr was $12,489.
Source: Onondaga County and Clay Town assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Onondaga County |
| County Subdivision | Clay Town |
| Unified School District | Liverpool Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,489.00 | $11,900 (-) Land $1,500 Building $10,400 | $495,833 (+14.58%) Land $62,500 Building $433,333 |
| 2024 | $11,900 (-) Land $1,500 Building $10,400 | $432,727 (+8.36%) Land $54,545 Building $378,182 | |
| 2023 | $11,900 Land $1,500 Building $10,400 | $399,329 Land $50,336 Building $348,993 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 4443 Millstream Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4443 Millstream Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OCWA public/private · serves 350,000 people · EPA ID NY3304336 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 8 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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